Summer time means attractive nuisances…

  • Does your insurance policy cover if a child were to wander in your yard and get injured from playing with yard tools or swimming in your pool?
  • Did you know you are still liable even if you were not home when this occurred?

It is important to know that your home insurance liability will cover hospital bills and court cost in the case that someone is injured on your property. In case you’re wondering what an attractive nuisance is, it is a legal term that indicates the liability home and landowners may face when a child trespasses and is injured by a hazard on your property.

Before installing a swimming pool or purchasing a trampoline, make sure you call your insurance agency to ask about whether these items are covered under your policy. If not, you will need to purchase extra coverage. Most policies usually cover $100,000 worth of liability protection, however in most cases that may not be enough.

  • Pool owners may want to increase their coverage to at least $300,000. However, according to the Insurance Information Institute, an umbrella policy will figure in an extra $1 million of coverage for an extra $200 to $300 per year. This is because more than 3,400 unforeseen drownings happen in the U.S. each year, 20% of these victims are under the age of 14.
  • Trampoline owners may be either denied for insurance or the policy you are approved for may exclude trampoline-related claims. Reasoning for this is trampolines are classified as a large risk to insurers, especially when there are children involved. According to the U.S. Consumer Product Safety Commission, children ages 6 to 14 make up 66% of all emergency room visits, when the injuries are trampoline related. Children under the age of 6 make up an additional 15%.

In order to avoid these unintentional accidents…

  • A tall, locked fence surrounding your pool would be your best investment.
  • A protective net enclosing your trampoline, preventing a child from falling off, would do the job.
  • Also, don’t leave yard tools, landscaping equiptment or ladders out in the yard unattended, even momentarily.

If you have any questions on how to increase your homeowners policy or what your liabilites could potentially be please visit our websit at or call us at (631) 738-7300

You can also check us out on Facebook at

and follow us on Twitter at